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Cover Car Insurance Review

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Cover is an auto insurance marketplace owned by Cover Financial, Inc., a San Francisco-based company founded in 2016. Cover helps match consumers seeking car insurance with one of its partner insurers. It also provides its own coverage in the state of Texas. Potential customers submit their information via an online quote tool and Cover helps them find a policy that offers the coverage they need at a price they can afford.
 
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How is Cover rated?

Breakdown

3.8/5
Coverage
3.2/5
Financial Strength
3.8/5
Supplemental Coverage
4.0/5
Pricing & Discounts
4.0/5
Claims Satisfaction & Customer Experience
4.0/5
Automation

Overall Rating: 3.7 / 5 (Very good)

Cover is a smart place to begin your car insurance search if you're not sure what you need and you don't want to spend hours getting quotes from different companies. It partners with dozens of well-established insurers to help you find the best auto insurance for your needs and budget. You'll have to create an account to get started. Once you do, getting a quote is fast and easy and there's no obligation. Quotes are provided for free in as little as five minutes.

Cover Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Glass
  • Vet Bills
  • Roadside Assistance
  • Rental Coverage

Coverage - 3.8 / 5

All of Cover's partners offer the basics, like bodily injury and property damage liability, but some extras, like sound system coverage, are rare and only available with certain companies. Once Cover matches you with its recommendation, do some research on your own to verify that the insurer offers all the coverage options you're interested in.

Customer Experience

Customer Ratings

Date Collected
2020-02-04

Claims Satisfaction & Customer Experience - 4 / 5

Outside of Texas, where Cover offers its own auto insurance, Cover is an insurance marketplace and, therefore, it doesn't directly handle claims. Its customer app, however, has been extensively reviewed in the App Store and Google's Play Store, with people generally remarking how useful it is when deciding what coverage to get from which insurer. Cover also offers the ability to chat with an insurance advisor via SMS (text message), which provides a very convenient means of communication.

Once you purchase your policy, you'll deal with the insurer Cover has matched you with. Cover's recommended insurance carriers have extensive reviews and comments about their claims process online. Do some research into each insurer's customer service ratings before you sign up for a policy so you know what you're getting into.

Financial Strength

Financial Strength - 3.2 / 5

Cover is an insurance marketplace and, as such, its financial strength isn't very relevant to a consumer's decision to use its services to shop for and purchase a car insurance policy. However, the insurers that Cover partners with have strong financial strength ratings and provide billions of dollars in backing. This indicates that consumers will deal with institutions that have the financial reserves to pay out claims when necessary.

Pricing & Discounts

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Low Mileage
  • Vehicle Safety
  • Homeowner
  • Student
  • Senior
  • Bundled Policy
  • College Degree or Higher

Additional Discounts

  • Hybrid / Electric Vehicle
  • Group Savings (unions, etc)
  • Newly Married
  • Full/Automatic Payment

Pricing & Discounts - 4 / 5

As with any marketplace, it's difficult to compare Cover to other auto insurance companies because it does not provide insurance directly. Your cost will depend on the type of coverage you want, the discounts you qualify for and which company underwrites your policy. The only way to know for sure is to fill out Cover's quote tool. It will ask you some questions to help you determine which company can provide you the best coverage for the lowest price.

Discounts Fine Print

In addition to the discounts noted above, Cover also offers discounts for length of vehicle ownership, length of residency at the garaging address, certain occupations, and marital status.

Contact & Additional Information

Homepage URL
https://www.cover.com
Year Founded
2016

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Customer Comments & Reviews

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sailorbabe74
2/22/2024
I am thinking Cover insurance is a scam. Been trying now for 3 days to reach them to get an LOE but even though I sit on hold for hours or I request a call back I never hear from them.

gitinas2001
11/4/2023
Cover was my insurance 2022, had a claim that was processed 2022. Now the other person's insurance is claiming Cover didn't pay medical charges for the claim. I have reached out to Cover insurance for the past 3 months and no you will call me back to see why the medical payments for the other driver was not paid. The other driver is trying to get me to pay over $8000 for medical bills. I have emailed and called and I'm not getting any return calls. I would never recommend a company that you pay your full coverage and get no answers on why something was not paid or get an answer.

shane.sams6982
4/1/2023
Shit service, they do not answer calls, text and emails. They tried to bill me for road side assistance when i clearly have it on my plan. Crap service. No wonder they are going out of business.

Liz P
8/22/2022
I cancelled my policy and I am still being billed. Who can i contact, their support has not even answered my emails or texts.

wildbilldj5
12/6/2020
We canceled ins in august and you continued to to bill our card for thee months and still going ... your contact person has been rude and is a liar ... we have his email acknowledging the august cancellation which we have sent to our cc company ... we have had other problems with your company and are filing a complaint with the Texas Board of Ins. ... and if this isn't resolved we are hiring an attorney

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